Insurance go up after moving house.

orlando.pf

Hi,

Just wondering... I paid for the insurance in the march, recently I moved out from Blessington to Naas. Call up to insurance to upgrade my details and she says there is 25.37e (because new area its more dangerous-robbing etc) + 20e administration fee. When I asked her whats administration fee are, she says -new disc and papers...so I told that I don't need it but I still need to pay 25,37e.
When I rang them last year to inform them that I moved out from Tallaght to Blessington and asked them do I will get discount on my policy,they told me that everything is pay up already and they cannot give me any discount. Do these is right ?!

Cheers

johndaman66

Im half guessing 123.ie? But also believe their admin fee is more if I recall correctly, so hence it may no be them either. If it is them you wouldn't be getting much back of them when you move to a lower insurance risk address thats for sure or anytime really for that matter.

There can be a considerable difference in motor insurance premiums across different addresses though. I moved house one year and at first there was a small bit of confusion with the insurance company on whether my new address was a Limerick city or Limerick County address. The Limerick city address was commanding a €50 higher premium and that was with a banger valued at a grand.

orlando.pf

Yeah it was 123.ie thank you for all your help

dr.fuzzenstein

I'm amazed insurance companies even try to come up with excuses for fees for things that should be their bloody job in the first place. At least they're not as bad as Ryanair yet, where you do their job for them (booking, checking in, printing the ticket) and they charge you for it.
I'm just waiting for the time when they say "Administration fee is because fcuk you, that's why".

orlando.pf

You are right mate, they charging for everything... One day we will pay tax for breathing

Del2005

dr.fuzzenstein wrote: »

I'm amazed insurance companies even try to come up with excuses for fees for things that should be their bloody job in the first place. At least they're not as bad as Ryanair yet, where you do their job for them (booking, checking in, printing the ticket) and they charge you for it.
I'm just waiting for the time when they say "Administration fee is because fcuk you, that's why".

There job is to arrange your insurance for which you pay for the work involved. If you want to change something it involves them having to do more work. If they don't charge an admin fee for people who wish to change details mid policy, which you agreed to when you took out the cover, then they'll ad it to the initial quote. Why should I have to pay extra on my policy which I don't change to allow others to change theirs?

Ryanair don't charge you for making your booking, they charge you if you don't follow the relatively simple instructions they give you to get onto their planes which you have already agreed to when you made the booking.

kaimera

Last time I moved house...bike insurance went down...car insurance went up.

go figure.

wonski

kaimera wrote: »

Last time I moved house...bike insurance went down...car insurance went up.

go figure.

I assume there were more bikes stolen/involved in accidents than cars.

Some companies don't charge/give refunds unless difference in premium is less than 20 euro. Admin fee has to be paid regardless.

dr.fuzzenstein

Del2005 wrote: »

There job is to arrange your insurance for which you pay for the work involved. If you want to change something it involves them having to do more work. If they don't charge an admin fee for people who wish to change details mid policy, which you agreed to when you took out the cover, then they'll ad it to the initial quote. Why should I have to pay extra on my policy which I don't change to allow others to change theirs?

Ryanair don't charge you for making your booking, they charge you if you don't follow the relatively simple instructions they give you to get onto their planes which you have already agreed to when you made the booking.

I'm sure you'll give out if you had to make changes and you'd have to pay for them. Also, the point is about companies these days inventing spurious charges so they can use any excuse to bilk you for more money. I'm still waiting for the "We couldn't be arsed thinking of an excuse" 20 Euro surcharge.
You seem to be OK about paying up though.
Also, Ryanair might not charge for booking online, but as for my argument that they charge you for checking yourself in, and de facto doing their job, ahem:

oldyouth

Just to be clear, Insurers charge an additional premium based on perceived additional risk. That's the nature of the game. Unfortunately, brokers (123.ie are brokers) seem to be milking this fee business a bit much. It will be in their Terms of Business that they are entitled to do this, but it is a bit ingenious. The charges in this case outweigh the effort put in by the broker on behalf of the client IMO

they are full of sh*t. i had a 2.5 quattro a4 and i wanted to change insurance to 1.2 corsa. they wanted 100 euro extra to change saying it was a newer car. 6 months later i changed to an older a4 1.8t and they wanted 80 euro extra because it was a more powerfull car. just changed to 2.0 legacy and of course looking to screw me again. reason newer car. now my insurance didnt drop over the last two years as the a4 aged so its all bull****. by the way they wanted 280 extra for the year going from 04 220hp a4 to 07 160hp legacy. if you call your insurance company to do anything in the middle of policy expect them to ask you to bend over. i kicked up a fuss and ended up paying 50 in the end. i reckon they are trying to make money back from me as i had to use breakdown assist 3 times in 2 years with the a4. will be changing insurance company when my policy ends.

yammagamma

Del2005 wrote: »

There job is to arrange your insurance for which you pay for the work involved. If you want to change something it involves them having to do more work. If they don't charge an admin fee for people who wish to change details mid policy, which you agreed to when you took out the cover, then they'll ad it to the initial quote. Why should I have to pay extra on my policy which I don't change to allow others to change theirs?

Ryanair don't charge you for making your booking, they charge you if you don't follow the relatively simple instructions they give you to get onto their planes which you have already agreed to when you made the booking.

could not have put it better myself